Yuniarti, Veronica (2019) Faktor – Faktor Yang Memengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk menguji pengaruh kepercayaan, kemudahan, kegunaan, kualitas pelayanan, kesesuaian, keunggulan relatif dan risiko terhadap minat penggunaan Financial Technology Peer to Peer Lending. Penelitian ini didasarkan pada pendekatan Technology Acceptance Model (TAM) dan Innovation Diffusion Theory (IDT). Teknik pengumpulan data yang digunakan adalah survei kuesioner dan wawancara. Responden penelitian ini adalah 142 pengguna layanan Financial Technology Peer to Peer Lending di Indonesia. Metode analisis data menggunakan analisis SEM - Partial Least Square dengan bantuan software SmartPLS. Hasil dari penelitian ini menunjukkan bahwa kemudahan, kualitas pelayanan dan kesesuaian berpengaruh positif terhadap minat penggunaan Financial Technology Peer to Peer Lending. Sedangkan, kepercayaan, kegunaan, keunggulan relatif dan risiko tidak berpengaruh terhadap minat penggunaan Financial Technology Peer to Peer Lending. Hal ini dikarenakan semakin maraknya Peer to Peer Lending ilegal di Indonesia sehingga beberapa masyarakat masih merasa ragu dan takut mengenai risiko keamanan produk seperti penipuan ataupun penyalahgunaan data pribadi dalam melakukan layanan pinjaman online. Masyarakat juga mengaku jika ada beberapa layanan Peer to Peer Lending melakukan tindakan yang tidak sesuai dengan prosedur peminjaman secara online sehingga layanan face to face seperti Bank masih dianggap lebih unggul dan efektif dalam melakukan pinjaman meskipun layanan pinjaman online dianggap mudah dalam penggunaannya. Hal tersebut dikarenakan semakin mudahnya penggunaan layanan Financial Technology Peer to Peer Lending dalam melakukan pinjaman online membuat masyarakat loss control atau tidak dapat mengkontrol keuangan mereka sehingga kegunaan dan manfaat dari layanan tersebut belum sepenuhnya dirasakan oleh masyarakat.
English Abstract
The aim of this study is to examine the effect of trust, ease of use, perceived usefulness, quality of service, compatibility, relative advantage, and perceived risk on the interest in using peer-to-peer lending financial technology. This research is based on the Technology Acceptance Model (TAM) and Innovation Diffusion Theory (IDT) approaches. The utilized data collection techniques were surveys through a questionnaire and interviews. The respondent of this study are 142 users of peer-to-peer lending financial technology services in Indonesia. The utilized data analysis method was SEM-Partial Least Squares analysis aided by the SmartPLS software. The results of this study indicated that ease of use, quality of service, and compatibility had a positive effect on the interest in the use of peer-to-peer lending financial technology. Meanwhile, trust, perceived usefulness, relative advantage, and perceived risk did not affect the interest in the use of peer-to-peer lending financial technology. This is because of widespread illegal peer-to-peer lending in Indonesia, which causes people to doubt and be concerned about product security risks, such as fraud or misuse of personal data, in perusing online loan services. People have also admitted that there are several peer-to-peer lending services that have committed actions that are not in line with online lending procedures, which makes them still consider face-to-face services, such as through banks, to be superior and effective for making loans, even through online lending services are considered easy to use. This is because increasingly easier peer-to-peer lending financial technology services for making online loans leads to a loss of control of finances, and thus the usefulness and benefits of these services have not been fully felt by the people.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FEB/2019/620/051911314 |
| Uncontrolled Keywords: | Financial Technology, Peer to Peer Lending, TAM, IDT, Kepercayaan, Kemudahan, Kegunaan, Kualitas Pelayanan, Kesesuaian, Keunggulan Relatif, Risiko-Financial Technology, Peer-to-Peer Lending, Technology Acceptance Model (TAM), Innovation Diffusion Theory (IDT), Trust, Ease of Use, Perceived Usefulness, Quality of Service, Compatibility, Relative Advantage, Risk. |
| Subjects: | 600 Technology (Applied sciences) > 657 Accounting > 657.028 5 Accounting (Computer applications) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 16 Nov 2020 15:24 |
| Last Modified: | 19 Oct 2021 07:15 |
| URI: | http://repository.ub.ac.id/id/eprint/177466 |
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